Saving Season

The last week I’ve been obsessively crunching numbers to save $1000 by the end of the year. I came to realize it will be a big challenge and I need to save according to what I need. After paying all my bills per month, I have $200 to spend freely including groceries and if I don’t have an electric bill for the next month, I only have $397 to save. In addition to my full time job, I work events and my former cafe job randomly. Instead of using that money for savings, I spend it or put it on a card and use that card again.

Being limited to $200 per month for groceries and spending is hard to do when things you want are that price. I usually either use $30 every two weeks for groceries.

End of The Year Plan

Save ½ Month’s Rent – $575

Pay Off Discover Card – $305

This is a starting point I maybe able to achieve by the end of the year. It’s reasonable and wouldn’t be too much of a burden on me financially. I want to be able to travel a few places but would love knowing I have a savings and paid down some of my debt before doing so.


Saving this month will be pretty relaxed. I want to purchase a new pair of glasses. Luckily, I found glasses for $45 bucks. I’m saving $55 to half of the rent. I’m putting $55 on my Discover.


Saving $225 towards my half of the rent.

$100 toward my Discover card.


Rent Savings $250

My electric bill is due each even month so instead of paying $100 on my credit card, I’ll do $70 if the electric bill is $65.



Discover $80 – PAID OFF

At the end of this year, I will have an estimate of $365 left over. I plan on using that money to pay off my phone. I don’t like the new iPhones 11s and I can wait until they change the camera again. (Yes, the camera makes me itch a bit.) The phone is $252 to pay off. I have an iPhone X from 2017 and don’t plan on upgrading for awhile. Maybe another 2 years from now?

So, that’s the plan I’m sticking too!

Coming Soon!

I’m working on INTHECITY Mag! Out 10/2/19!


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